#referral{background:var(--navy);padding:var(--section-pad) var(--wrap-pad);text-align:center;position:relative;overflow:hidden}
#referral::before{content:'';position:absolute;top:-240px;left:50%;transform:translateX(-50%);width:700px;height:700px;background:rgba(249,178,51,.04);border-radius:50%;pointer-events:none}
.ref-inner{max-width:820px;margin:0 auto;position:relative;z-index:1}
.ref-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(230,240,255,.12);color:rgba(220,235,255,.85);font-family:var(--font-display);font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:6px 16px;border-radius:99px;margin-bottom:20px}
.ref-eyebrow::before{content:'';width:6px;height:6px;background:var(--gold);border-radius:50%}
#referral h2{font-size:clamp(28px,4vw,46px);color:var(--white);line-height:1.1;margin-bottom:14px}
#referral h2 em{color:var(--gold);font-style:normal}
.ref-sub{font-size:16px;color:rgba(230,240,255,.65);margin-bottom:52px;line-height:1.7}
.ref-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-bottom:44px}
.ref-card{background:rgba(255,255,255,.05);border:1px solid rgba(230,240,255,.1);border-radius:var(--r);padding:28px 16px}
.ref-num{font-family:var(--font-display);font-size:40px;font-weight:900;color:var(--gold);display:block;line-height:1;margin-bottom:10px}
.ref-label{font-size:13px;color:rgba(230,240,255,.6);line-height:1.5}
.ref-btn{display:inline-block;font-family:var(--font-display);font-size:14px;font-weight:800;padding:14px 32px;border-radius:99px;background:var(--gold);color:var(--navy-d);letter-spacing:.02em;transition:transform .15s,box-shadow .15s}
.ref-btn:hover{transform:translateY(-2px);box-shadow:0 8px 28px rgba(249,178,51,.4)}